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			<h1 class="mui-title">柒拾佳护保险协议书</h1></header>
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								<p class="MsoNormal" align="center" style="text-align:center;"><b><span style="mso-spacerun:'yes';font-family:宋体;mso-bidi-font-family:'Times New Roman';font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">太平财产保险有限公司承保方案</font></span></b><b><span style="mso-spacerun:'yes';font-family:宋体;mso-bidi-font-family:'Times New Roman';font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></b></p>
								<p class="MsoNormal" align="center" style="text-align:center;"><b><span style="mso-spacerun:'yes';font-family:宋体;mso-bidi-font-family:'Times New Roman';font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">公司简介</font></span></b><b><span style="mso-spacerun:'yes';font-family:Calibri;mso-fareast-font-family:宋体;mso-bidi-font-family:'Times New Roman';font-weight:bold;font-size:10.5000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></b></p>
								<p class="MsoNormal" style="text-indent:28.0500pt;mso-pagination:widow-orphan;background:rgb(255,255,255);"><span style="mso-spacerun:'yes';font-family:宋体;mso-bidi-font-family:'Times New Roman';font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">太平财产保险有限公司隶属于中国太平保险集团公司，简称"中国太平"，是管理总部设在香港的国有金融保险集团，中共中央组织部直管的四大国有金融保险集团之一，副部级央企单位，中国第一家金融保险控股集团公司，香港上市公司，股票代码0966。中国太平旗下上市公司中国太平控股（HK00966）上市十年多来，市值累计增长近20倍，位列2016年《财富》中国500强第42位。</font></span><span style="mso-spacerun:'yes';font-family:宋体;mso-bidi-font-family:'Times New Roman';font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></p>
								<p class="MsoNormal" style="text-indent:28.0500pt;mso-pagination:widow-orphan;background:rgb(255,255,255);"><span style="mso-spacerun:'yes';font-family:宋体;mso-bidi-font-family:'Times New Roman';font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p>&nbsp;</o:p></span></p>
								<p class="MsoNormal" align="center" style="text-indent:28.0500pt;mso-pagination:widow-orphan;text-align:center;background:rgb(255,255,255);"><b><span style="mso-spacerun:'yes';font-family:宋体;mso-bidi-font-family:'Times New Roman';font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">承保方案</font></span></b><b><span style="mso-spacerun:'yes';font-family:宋体;mso-bidi-font-family:'Times New Roman';font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></b></p>
								<p class="MsoNormal"><b><span style="mso-spacerun:'yes';font-family:宋体;mso-ascii-font-family:Calibri;mso-hansi-font-family:Calibri;mso-bidi-font-family:'Times New Roman';font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">保险人：</font></span></b><span style="mso-spacerun:'yes';font-family:宋体;mso-bidi-font-family:'Times New Roman';letter-spacing:-1.0000pt;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">太平财产保险吉林分公司</font></span><span style="mso-spacerun:'yes';font-family:宋体;mso-bidi-font-family:'Times New Roman';letter-spacing:-1.0000pt;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></p>
								<p class="MsoNormal"><b><span style="mso-spacerun:'yes';font-family:宋体;mso-ascii-font-family:Calibri;mso-hansi-font-family:Calibri;mso-bidi-font-family:'Times New Roman';font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">投保人</font></span></b><b><span style="mso-spacerun:'yes';font-family:Calibri;mso-fareast-font-family:宋体;mso-bidi-font-family:'Times New Roman';font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;">:&nbsp;&nbsp;</span></b><span style="mso-spacerun:'yes';font-family:宋体;mso-ascii-font-family:Calibri;mso-hansi-font-family:Calibri;mso-bidi-font-family:'Times New Roman';font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">吉林省柒拾佳护健康管理有限公司</font></span><span style="mso-spacerun:'yes';font-family:Calibri;mso-fareast-font-family:宋体;mso-bidi-font-family:'Times New Roman';font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></p>
								<p class="MsoNormal"><b><span style="mso-spacerun:'yes';font-family:宋体;mso-bidi-font-family:'Times New Roman';letter-spacing:-1.0000pt;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">被保险人：</font></span></b><span style="mso-spacerun:'yes';font-family:宋体;mso-bidi-font-family:'Times New Roman';letter-spacing:-1.0000pt;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">基于“柒拾佳护信息服务平台”所提供的护士上门服务，服务项目以该平台上所列项目为准。</font></span><span style="mso-spacerun:'yes';font-family:宋体;mso-bidi-font-family:'Times New Roman';letter-spacing:-1.0000pt;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></p>
								<p class="MsoNormal"><b><span style="mso-spacerun:'yes';font-family:宋体;mso-bidi-font-family:'Times New Roman';letter-spacing:-1.0000pt;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">保险受益人：</font></span></b><span style="mso-spacerun:'yes';font-family:宋体;mso-bidi-font-family:'Times New Roman';letter-spacing:-1.0000pt;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">平台</font></span><span style="mso-spacerun:'yes';font-family:宋体;mso-bidi-font-family:'Times New Roman';letter-spacing:-1.0000pt;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">医护人员+被服务的患者</font></span><b><span style="mso-spacerun:'yes';font-family:宋体;mso-bidi-font-family:'Times New Roman';letter-spacing:-1.0000pt;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></b></p>
								<p class="MsoNormal"><b><span style="mso-spacerun:'yes';font-family:宋体;mso-bidi-font-family:'Times New Roman';letter-spacing:-1.0000pt;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">追溯日期：</font></span></b><b><span style="mso-spacerun:'yes';font-family:宋体;mso-bidi-font-family:'Times New Roman';letter-spacing:-1.0000pt;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></b></p>
								<p class="MsoNormal"><b><span style="mso-spacerun:'yes';font-family:宋体;mso-bidi-font-family:'Times New Roman';letter-spacing:-1.0000pt;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">保险责任：</font></span></b><b><span style="mso-spacerun:'yes';font-family:宋体;mso-bidi-font-family:'Times New Roman';letter-spacing:-1.0000pt;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></b></p>
								<p class="MsoNormal" style="text-indent:24.0000pt;mso-char-indent-count:2.0000;"><span style="mso-spacerun:'yes';font-family:宋体;mso-bidi-font-family:'Times New Roman';letter-spacing:-1.0000pt;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">在保险期间或保险单载明的追溯期内,被保险人提供保险单载明的专业服务时，由于疏忽或过失造成服务接受人的人身伤亡和财产损失，由服务接受人在保险期间内首次向被保险人提出损害赔偿请求，依照中华人民共和国法律法规（不包括港澳台地区）应由被保险人承担的经济赔偿责任，保险人按照本保险合同约定负责赔偿。</font></span><span style="mso-spacerun:'yes';font-family:宋体;mso-bidi-font-family:'Times New Roman';letter-spacing:-1.0000pt;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></p>
								<p class="MsoNormal" style="text-indent:24.0000pt;mso-char-indent-count:2.0000;"><span style="mso-spacerun:'yes';font-family:宋体;mso-bidi-font-family:'Times New Roman';letter-spacing:-1.0000pt;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">保险事故发生后，被保险人因保险事故而被提起仲裁或者诉讼的，对应由被保险人支付的仲裁或诉讼费用以及事先经保险人书面同意支付的其它必要的、合理的费用（以下简称“法律费用”），保险人按照本保险合同约定也负责赔偿。</font></span><b><span style="mso-spacerun:'yes';font-family:宋体;mso-bidi-font-family:'Times New Roman';letter-spacing:-1.0000pt;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></b></p>
								<p class="MsoNormal"><b><span style="mso-spacerun:'yes';font-family:宋体;mso-bidi-font-family:'Times New Roman';letter-spacing:-1.0000pt;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">赔付金额：</font></span></b><b><span style="mso-spacerun:'yes';font-family:宋体;mso-bidi-font-family:'Times New Roman';letter-spacing:-1.0000pt;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></b></p>
								<p class="MsoNormal" style="text-indent:24.0000pt;mso-char-indent-count:2.0000;"><span style="mso-spacerun:'yes';font-family:宋体;mso-bidi-font-family:'Times New Roman';letter-spacing:-1.0000pt;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">每人每次事故赔偿限额20万元（精神损害赔偿限额4万元，每次医疗费用赔偿限额10万元，法律费用每次赔偿限额5000元）；年度累计赔偿限额300万元（法律费用累计赔偿限额5万元）；每次事故每人人身伤亡赔偿限额20万元；绝对免赔额500元或损失金额的10%（两者以高者为准）。</font></span><span style="mso-spacerun:'yes';font-family:宋体;mso-bidi-font-family:'Times New Roman';letter-spacing:-1.0000pt;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></p>
								<p class="MsoNormal"><b><span style="mso-spacerun:'yes';font-family:宋体;mso-bidi-font-family:'Times New Roman';letter-spacing:-1.0000pt;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p>&nbsp;</o:p></span></b></p>
								<p class="MsoNormal"><b><span style="mso-spacerun:'yes';font-family:宋体;mso-bidi-font-family:'Times New Roman';letter-spacing:-1.0000pt;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">附：承保方案详则</font></span></b><b><span style="mso-spacerun:'yes';font-family:宋体;mso-bidi-font-family:'Times New Roman';letter-spacing:-1.0000pt;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></b></p>
								<p class="MsoNormal" style="text-indent:28.0000pt;mso-char-indent-count:2.0000;"><span style="mso-spacerun:'yes';font-family:宋体;mso-bidi-font-family:'Times New Roman';font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">承保方案的设计是基于对柒拾佳护APP项目的各个链条环节所存在的风险提供风险保障，以保证柒拾佳护APP整体各个环节及项目的顺利进行和实施。并针对柒拾佳护APP各环节的风险设计相应的保险方案。从医生就诊，患者安危等方面存在的风险提供保障。</font></span><span style="mso-spacerun:'yes';font-family:宋体;mso-bidi-font-family:'Times New Roman';letter-spacing:-1.0000pt;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></p>
								<p class="MsoNormal" style="mso-layout-grid-align:none;layout-grid-mode:char;line-height:100%;"><b><span style="mso-spacerun:'yes';font-family:宋体;mso-bidi-font-family:'Times New Roman';line-height:150%;font-weight:bold;font-size:9.0000pt;mso-font-kerning:0.0000pt;"><o:p>&nbsp;</o:p></span></b></p>
								<p class="MsoNormal" align="center" style="mso-layout-grid-align:none;layout-grid-mode:char;text-align:center;line-height:100%;"><b><span style="mso-spacerun:'yes';font-family:宋体;mso-bidi-font-family:'Times New Roman';line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:0.0000pt;"><font face="宋体">保险条款</font></span></b><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:0.0000pt;"><font face="宋体">总则</font></span></b><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:0.0000pt;"><o:p></o:p></span></b></p>
								<p class="MsoNormal" style="text-indent:28.1000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:100%;"><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:0.0000pt;"><font face="宋体">第一条</font></span></b><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:0.0000pt;">&nbsp;</span></b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:0.0000pt;">&nbsp;</span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">本保险合同由保险条款、投保单、保险单、保险凭证以及批单组成。凡涉及本保险合同的约定，均应采用书面形式。</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></p>
								<p class="MsoNormal" style="text-indent:28.1000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:100%;"><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:0.0000pt;"><font face="宋体">第二条</font>&nbsp;&nbsp;</span></b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:0.0000pt;"><font face="宋体">凡在中国境内（不包括港澳台地区）依法设立，提供专业服务的个人、公司、组织、机构可作为本保险合同的被保险人。</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:0.0000pt;"><o:p></o:p></span></p>
								<p class="MsoNormal" style="text-indent:28.0000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:100%;"><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:0.0000pt;"><font face="宋体">被保险人的职员履行被保险人专业服务的职务行为，视为被保险人的行为。</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;color:rgb(255,0,0);font-size:14.0000pt;mso-font-kerning:0.0000pt;"><o:p></o:p></span></p>
								<p class="MsoNormal" align="center" style="text-indent:28.1000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;text-align:center;line-height:150%;"><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:0.0000pt;"><font face="宋体">保险责任</font></span></b><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:0.0000pt;"><o:p></o:p></span></b></p>
								<p class="MsoNormal" style="text-indent:28.1000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:100%;"><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:0.0000pt;"><font face="宋体">第三条</font></span></b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:0.0000pt;">&nbsp;&nbsp;<font face="宋体">在保险期间或保险单载明的追溯期内,被保险人提供保险单载明的专业服务时，由于疏忽或过失造成服务接受人的人身伤亡和财产损失，由服务接受人在保险期间内首次向被保险人提出损害赔偿请求，</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">依照中华人民共和国法律法规（不包括港澳台地区）应由被保险人承担的经济赔偿责任，</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:0.0000pt;"><font face="宋体">保险人按照本保险合同约定负责赔偿。</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:0.0000pt;"><o:p></o:p></span></p>
								<p class="MsoNormal" style="text-indent:28.1000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:100%;"><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:0.0000pt;"><font face="宋体">第四条</font></span></b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:0.0000pt;">&nbsp;&nbsp;</span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">保险事故发生后，被保险人因保险事故而被提起仲裁或者诉讼的，对应由被保险人支付的仲裁或诉讼费用以及事先经保险人书面同意支付的其它必要的、合理的费用（以下简称“法律费用”），保险人按照本保险合同约定也负责赔偿。</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></p>
								<p class="MsoNormal" align="center" style="text-indent:28.1000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;text-align:center;line-height:150%;"><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:0.0000pt;"><font face="宋体">责任免除</font></span></b><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:0.0000pt;"><o:p></o:p></span></b></p>
								<p class="MsoNormal" style="text-indent:28.1000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:100%;"><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">第五条</font>&nbsp;&nbsp;<font face="宋体">出现下列任一情形时，保险人不负责赔偿：</font></span></b><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></b></p>
								<p class="MsoNormal" style="text-indent:28.1000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:100%;"><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">（一）</font>&nbsp;<font face="宋体">被保险人超出政府主管部门核定范围所办理的业务；</font></span></b><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></b></p>
								<p class="MsoNormal" style="text-indent:28.1000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:100%;"><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">（二）</font>&nbsp;<font face="宋体">被保险人超越服务接受人的授权范围所办理的业务；</font></span></b><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></b></p>
								<p class="MsoNormal" style="text-indent:28.1000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:100%;"><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">（三）</font>&nbsp;<font face="宋体">被保险人的职员未经被保险人同意私自承办的业务，或以其他名义承办的业务；或其在被取消执业资格或受停业、停职处分的情况下承办的业务；</font></span></b><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></b></p>
								<p class="MsoNormal" style="text-indent:28.1000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:100%;"><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">（四）</font>&nbsp;</span></b><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:0.0000pt;"><font face="宋体">在保险单规定的追溯期起始日之前被保险人已经完成的专业服务</font></span></b><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">。</font></span></b><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></b></p>
								<p class="MsoNormal" style="text-indent:28.1000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:100%;"><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">第六条</font></span></b><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;">&nbsp;&nbsp;<font face="宋体">下列原因造成的损失、费用和责任，保险人不负责赔偿：</font></span></b><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></b></p>
								<p class="MsoNormal" style="text-indent:28.1000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:100%;"><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">（一）</font>&nbsp;<font face="宋体">投保人、被保险人及其代表、职员的故意行为、犯罪行为、重大过失、欺诈或不诚实行为、恶意串通损害服务接受人或其利害关系人利益的行为，及依法被法院判决构成犯罪的行为；</font></span></b><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></b></p>
								<p class="MsoNormal" style="text-indent:28.1000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:100%;"><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">（二）</font>&nbsp;<font face="宋体">战争、敌对行动、军事行为、武装冲突、罢工、骚乱、暴动、恐怖活动；</font></span></b><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></b></p>
								<p class="MsoNormal" style="text-indent:28.1000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:100%;"><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">（三）</font>&nbsp;<font face="宋体">核辐射、核爆炸、核污染及其他放射性污染；</font></span></b><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></b></p>
								<p class="MsoNormal" style="text-indent:28.1000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:100%;"><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">（四）</font>&nbsp;<font face="宋体">大气污染、土地污染、水污染及其他各种污染；</font></span></b><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></b></p>
								<p class="MsoNormal" style="text-indent:28.1000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:100%;"><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">（五）</font>&nbsp;<font face="宋体">行政行为或司法行为；</font></span></b><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></b></p>
								<p class="MsoNormal" style="text-indent:28.1000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:100%;"><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:0.0000pt;"><font face="宋体">（六）</font>&nbsp;<font face="宋体">地震、火山爆发、海啸、雷击、洪水、暴雨、台风、龙卷风、暴风、雪灾、雹灾、冰凌、泥石流、崖崩、地崩、突发性滑坡、地面突然下陷等自然灾害；</font></span></b><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:0.0000pt;"><o:p></o:p></span></b></p>
								<p class="MsoNormal" style="text-indent:28.1000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:100%;"><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:0.0000pt;"><font face="宋体">（七）</font>&nbsp;<font face="宋体">服务接受人提供的账册、报表、文档、数据、资料、电子数据及其他性质类似文件的损毁、灭失、遭盗窃或抢劫、丢失；</font></span></b><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:0.0000pt;"><o:p></o:p></span></b></p>
								<p class="MsoNormal" style="text-indent:28.1000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:100%;"><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:0.0000pt;"><font face="宋体">（八）</font>&nbsp;<font face="宋体">被保险人违反书面或口头约定的保密义务；</font></span></b><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:0.0000pt;"><o:p></o:p></span></b></p>
								<p class="MsoNormal" style="text-indent:28.1000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:100%;"><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:0.0000pt;"><font face="宋体">（九）</font>&nbsp;<font face="宋体">被保险人泄露或不正当使用他人商业秘密，或侵犯他人知识产权、名誉权、隐私权；</font></span></b><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:0.0000pt;"><o:p></o:p></span></b></p>
								<p class="MsoNormal" style="text-indent:28.1000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:100%;"><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:0.0000pt;"><font face="宋体">（十）</font>&nbsp;<font face="宋体">被保险人的明示保证，但无该保证时仍然应由被保险人承担的赔偿责任不受此限；</font></span></b><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:0.0000pt;"><o:p></o:p></span></b></p>
								<p class="MsoNormal" style="text-indent:28.1000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:100%;"><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:0.0000pt;"><font face="宋体">（十一）</font>&nbsp;<font face="宋体">被保险人进行的任何担保。</font></span></b><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:0.0000pt;"><o:p></o:p></span></b></p>
								<p class="MsoNormal" style="text-indent:28.1000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:100%;"><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">第七条</font></span></b><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;">&nbsp;&nbsp;<font face="宋体">下列损失、费用和责任，保险人不负责赔偿：</font></span></b><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></b></p>
								<p class="MsoNormal" style="text-indent:28.1000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:100%;"><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">（一）</font>&nbsp;<font face="宋体">被保险人或其职员的人身伤亡及其所有或管理的财产的损失；</font></span></b><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;color:rgb(255,0,0);font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></b></p>
								<p class="MsoNormal" style="text-indent:28.1000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:100%;"><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">（二）</font>&nbsp;<font face="宋体">被保险人与他人签订的协议中约定的转嫁给被保险人来承担的、在无该协议的情况下本不应由被保险人承担的责任，但无该协议存在时仍然应由被保险人承担的经济赔偿责任不受此限；</font></span></b><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></b></p>
								<p class="MsoNormal" style="text-indent:28.1000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:100%;"><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">（三）</font>&nbsp;<font face="宋体">罚款、罚金、惩罚性赔偿；</font>&nbsp;</span></b><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></b></p>
								<p class="MsoNormal" style="text-indent:28.1000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:100%;"><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">（四）</font>&nbsp;<font face="宋体">间接损失；</font>&nbsp;</span></b><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></b></p>
								<p class="MsoNormal" style="text-indent:28.1000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:100%;"><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">（五）</font>&nbsp;<font face="宋体">投保人、被保险人在投保之前已经知道或可以合理预见的赔偿请求或索赔的情况，包括：服务接受人已书面或口头向被保险人提出赔偿请求的案件，或服务接受人已向法院提起诉讼，要求被保险人赔偿损失，法院已立案受理的案件。</font></span></b><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></b></p>
								<p class="MsoNormal" style="text-indent:28.1000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:100%;"><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:0.0000pt;"><font face="宋体">（六）</font>&nbsp;</span></b><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">本保险合同中载明的免赔额。</font></span></b><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></b></p>
								<p class="MsoNormal" style="text-indent:28.1000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:100%;"><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">第八条</font></span></b><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;">&nbsp;&nbsp;<font face="宋体">其他不属于本保险责任范围内的损失、费用和责任，保险人不负责赔偿。</font></span></b><b><u><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;text-decoration:underline;text-underline:single;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></u></b></p>
								<p class="MsoNormal" align="center" style="text-indent:28.1000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;text-align:center;line-height:100%;"><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:0.0000pt;"><font face="宋体">赔偿限额与免赔额</font></span></b><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:0.0000pt;"><o:p></o:p></span></b></p>
								<p class="MsoNormal" style="text-indent:28.1000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:150%;"><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">第九条</font></span></b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;">&nbsp;&nbsp;<font face="宋体">赔偿限额包括每次事故每人赔偿限额、每次事故</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">赔偿限额</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">、累计赔偿限额、每次事故法律费用责任限额。各项责任限额由投保人和保险人协商确定，并在保险合同中载明。</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></p>
								<p class="MsoNormal" style="text-indent:28.1000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:150%;"><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">第十条</font></span></b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;">&nbsp;&nbsp;<font face="宋体">每次事故免赔额由投保人与保险人在签订保险合同时协商确定，并在保险合同中载明。</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></p>
								<p class="MsoNormal" align="center" style="text-indent:28.1000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;text-align:center;line-height:100%;"><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:0.0000pt;"><font face="宋体">保险期间</font></span></b><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:0.0000pt;"><o:p></o:p></span></b></p>
								<p class="MsoNormal" style="text-indent:28.1000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:150%;"><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">第十一条</font>&nbsp;&nbsp;</span></b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">除另有约定外，保险期间为一年，以保险单载明的起讫时间为准。</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></p>
								<p class="MsoNormal" align="center" style="text-indent:28.1000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;text-align:center;line-height:100%;"><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:0.0000pt;"><font face="宋体">保险人义务</font></span></b><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:0.0000pt;"><o:p></o:p></span></b></p>
								<p class="MsoNormal" style="text-indent:28.1000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:150%;"><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">第十二条</font>&nbsp;&nbsp;</span></b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">本保险合同成立后，保险人应当及时向投保人签发保险单或其他保险凭证。</font></span><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></b></p>
								<p class="MsoNormal" style="text-indent:28.1000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:150%;"><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">第十三条</font>&nbsp;&nbsp;</span></b><span class="15" style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;"><font face="宋体">保险人按照</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">第二十四条</font></span><span class="15" style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;"><font face="宋体">的约定，认为被保险人提供的有关索赔的证明和资料不完整的，应当及时一次性通知投保人、被保险人补充提供。</font></span><span class="15" style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;"><o:p></o:p></span></p>
								<p class="MsoNormal" style="text-indent:28.1000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:150%;"><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">第十四条</font>&nbsp;&nbsp;</span></b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">保险人收到被保险人的赔偿保险金的请求后，应当及时作出是否属于保险责任的核定；情形复杂的，保险人将在确定是否属于保险责任的基本材料收集齐全后，尽快做出核定。</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></p>
								<p class="MsoNormal" style="text-indent:28.0000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:150%;"><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">保险人应当将核定结果通知被保险人；对属于保险责任的，在与被保险人达成赔偿保险金的协议后十日内，履行赔偿保险金义务。保险合同对赔偿保险金的期限有约定的，保险人应当按照约定履行赔偿保险金的义务。保险人依照前款的规定作出核定后，对不属于保险责任的，应当自作出核定之日起三日内向被保险人发出拒绝赔偿保险金通知书，并说明理由。</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></p>
								<p class="MsoNormal" style="text-indent:28.1000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:150%;"><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">第十五条</font>&nbsp;&nbsp;</span></b><span class="15" style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;"><font face="宋体">保险人自收到</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">赔偿</font></span><span class="15" style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;"><font face="宋体">保险金的请求和有关证明、资料之日起六十日内</font></span><b><span class="15" style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;"><font face="宋体">，</font></span></b><span class="15" style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;"><font face="宋体">对其赔偿保险金的数额不能确定的，应当根据已有证明和资料可以确定的数额先予支付；保险人最终确定赔偿的数额后，应当支付相应的差额。</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></p>
								<p class="MsoNormal" align="center" style="text-indent:28.1000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;text-align:center;line-height:100%;"><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:0.0000pt;"><font face="宋体">投保人、被保险人义务</font></span></b><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:0.0000pt;"><o:p></o:p></span></b></p>
								<p class="MsoNormal" style="text-indent:28.1000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:150%;"><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">第十六条</font></span></b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;">&nbsp;&nbsp;<font face="宋体">订立保险合同，保险人就保险标的或者被保险人的有关情况提出询问的，投保人应当如实告知。</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></p>
								<p class="MsoNormal" style="text-indent:28.0000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:150%;"><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">投保人故意或者因重大过失未履行前款规定的如实告知义务，足以影响保险人决定是否同意承保或者提高保险费率的，保险人有权解除保险合同。</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></p>
								<p class="MsoNormal" style="text-indent:28.0000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:150%;"><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">前款规定的合同解除权，自保险人知道有解除事由之日起，超过三十日不行使而消灭。自合同成立之日起超过二年的，保险人不得解除合同；发生保险事故的，保险人应当承担赔偿保险金的责任。</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></p>
								<p class="MsoNormal" style="text-indent:28.1000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:150%;"><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">投保人故意不履行如实告知义务的，保险人对于合同解除前发生的保险事故，不承担赔偿保险金的责任，并不退还保险费。</font></span></b><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></b></p>
								<p class="MsoNormal" style="text-indent:28.1000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:150%;"><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">投保人因重大过失未履行如实告知义务，对保险事故的发生有严重影响的，保险人对于合同解除前发生的保险事故，不承担赔偿保险金的责任，但应当退还保险费。</font></span></b><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></b></p>
								<p class="MsoNormal" style="text-indent:28.0000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:150%;"><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">保险人在合同订立时已经知道投保人未如实告知的情况的，保险人不得解除合同；发生保险事故的，保险人应当承担赔偿保险金的责任。</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></p>
								<p class="MsoNormal" style="text-indent:28.1000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:150%;"><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">第十七条</font></span></b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;">&nbsp;&nbsp;<font face="宋体">除另有约定外，投保人应当在保险合同成立时交付保险费。</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></p>
								<p class="MsoNormal" style="text-indent:28.1000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:150%;"><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">约定一次性交付保险费的，投保人在约定交费日后交付保险费的，保险人对交费之前发生的保险事故不承担保险责任。</font></span></b><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></b></p>
								<p class="MsoNormal" style="text-indent:28.0000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:150%;"><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">约定分期交付保险费的，保险人按照保险事故发生前保险人实际收取保险费总额与投保人应当交付的保险费的比例承担保险责任，投保人应当交付的保险费是指截至保险事故发生时投保人按约定分期应该缴纳的保费总额。</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></p>
								<p class="MsoNormal" style="text-indent:28.1000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:150%;"><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">第十八条</font></span></b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;">&nbsp;&nbsp;<font face="宋体">被保险人应严格遵守国家有关规定，加强管理，采取合理的预防措施，尽力避免或减少责任事故的发生。</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></p>
								<p class="MsoNormal" style="text-indent:28.0000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:150%;"><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">保险人可以对被保险人遵守前款约定的情况进行检查，向投保人、被保险人提出消除不安全因素和隐患的书面建议，投保人、被保险人应该认真付诸实施。</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:0.0000pt;"><font face="宋体">但前述检查并不构成保险人对被保险人的任何承诺。</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;color:rgb(255,0,0);font-size:14.0000pt;mso-font-kerning:0.0000pt;"><o:p></o:p></span></p>
								<p class="MsoNormal" style="text-indent:28.1000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:150%;"><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">投保人、被保险人未按照约定履行上述安全义务的，保险人有权要求增加保险费或者解除合同。</font></span></b><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;color:rgb(255,0,0);font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></b></p>
								<p class="MsoNormal" style="text-indent:28.1000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:150%;"><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">第十九条</font></span></b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;">&nbsp;&nbsp;<font face="宋体">在保险合同有效期内，保险标的的危险程度显著增加的，被保险人应当及时通知保险人，保险人可以根据费率表的规定增加保险费或者解除合同。</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></p>
								<p class="MsoNormal" style="text-indent:28.0000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:150%;"><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">被保险人未履行前款约定的通知义务的，因保险标的的危险程度显著增加而发生的保险事故，保险人不承担赔偿保险金的责任。</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></p>
								<p class="MsoNormal" style="text-indent:28.1000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:150%;"><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:0.0000pt;"><font face="宋体">第二十条</font></span></b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:0.0000pt;">&nbsp;&nbsp;<font face="宋体">如果保险人提出要求，投保人应在投保时将被保险人正式聘用的提供专业服务的职员名单提交保险人。如果保险人要求，投保人还应提交能证明职员具有执业资格的证明文件。</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:0.0000pt;"><o:p></o:p></span></p>
								<p class="MsoNormal" style="text-indent:28.0000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:150%;"><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:0.0000pt;"><font face="宋体">在保险期间内，被保险人的职员发生变动，投保人、被保险人应自变动之日起一个月之内将人员变动的名单提供给保险人。</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:0.0000pt;"><o:p></o:p></span></p>
								<p class="MsoNormal" style="text-indent:28.0000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:150%;"><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:0.0000pt;"><font face="宋体">被保险人未履行本条所规定的义务，因保险标的危险程度显著增加而发生的保险事故，保险人不承担赔偿责任。</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:0.0000pt;"><o:p></o:p></span></p>
								<p class="MsoNormal" style="text-indent:28.1000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:150%;"><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">第二十一条</font></span></b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;">&nbsp;&nbsp;<font face="宋体">知道保险事故发生后，被保险人应该：</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></p>
								<p class="MsoNormal" style="text-indent:28.0000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:150%;"><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">（一）尽力采取必要、合理的措施，防止或减少损失，</font></span><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">否则，对因此扩大的损失，保险人不承担赔偿责任；</font></span></b><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></b></p>
								<p class="MsoNormal" style="text-indent:28.0000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:150%;"><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">（二）及时通知保险人，并书面说明事故发生的原因、经过和损失情况；</font></span><b><span class="15" style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;"><font face="宋体">故意或者因重大过失未及时通知，致使保险事故的性质、原因、损失程度等难以确定的，保险人对无法确定的部分，不承担赔偿责任</font></span></b><span class="15" style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;"><font face="宋体">，但保险人通过其他途径已经及时知道或者应当及时知道保险事故发生的除外；</font></span><span class="15" style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;"><o:p></o:p></span></p>
								<p class="MsoNormal" style="text-indent:28.0000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:150%;"><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">（三）保护事故现场，允许并且协助保险人进行事故调查；</font></span><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">对于拒绝或者妨碍保险人进行事故调查导致无法确定事故原因或核实损失情况的，保险人对无法确定或核实的部分，不承担赔偿责任。</font></span></b><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></b></p>
								<p class="MsoNormal" style="text-indent:28.1000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:150%;"><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">第二十二条</font></span></b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;">&nbsp;&nbsp;<font face="宋体">被保险人收到服务接受人</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:0.0000pt;"><font face="宋体">或其利害关系人</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">的损害赔偿请求时，应立即通知保险人。</font></span><span class="15" style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;"><font face="宋体">未经保险人书面同意，被保险人对受害人作出的任何承诺、拒绝、出价、约定、付款或赔偿，保险人不受其约束。对于被保险人自行承诺或支付的赔偿金额，保险人有权重新核定，不属于本保险责任范围或超出应赔偿限额的，保险人不承担赔偿责任。在处理索赔过程中，保险人有权自行处理由其承担最终赔偿责任的任何索赔案件，被保险人有义务向保险人提供其所能提供的资料和协助</font></span><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">。</font></span></b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></p>
								<p class="MsoNormal" style="text-indent:28.1000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:150%;"><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">第二十三条</font></span></b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;">&nbsp;&nbsp;<font face="宋体">被保险人获悉可能遭受索赔时，应立即以书面形式通知保险人；接到法院传票或其他法律文书后，应将其副本及时送交保险人。被保险人已在保险期间将可能遭受索赔的事项书面告知保险人，被保险人实际承担赔偿责任在保险期满后确定的，保险人仍应承担赔偿责任。保险人有权以被保险人的名义处理有关诉讼或仲裁事宜，被保险人应提供有关文件，并给予必要的协助。</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></p>
								<p class="MsoNormal" style="text-indent:28.1000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:150%;"><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">第二十四条</font></span></b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;">&nbsp;&nbsp;<font face="宋体">被保险人请求赔偿时，应向保险人提供下列证明和资料：</font>&nbsp;</span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></p>
								<p class="MsoNormal" style="text-indent:28.0000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:150%;"><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">（一）保险单正本；</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></p>
								<p class="MsoNormal" style="text-indent:28.0000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:150%;"><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">（二）被保险人或其代表填具的索赔申请书；</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></p>
								<p class="MsoNormal" style="text-indent:28.0000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:150%;"><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">（三）</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:0.0000pt;"><font face="宋体">引起赔偿请求的职员与被保险人签订的劳动合同，以及能证明其具有执业资格的证明文件</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">；</font>&nbsp;</span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></p>
								<p class="MsoNormal" style="text-indent:28.0000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:150%;"><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:0.0000pt;"><font face="宋体">（四）被保险人的执业许可证副本及有关文件；</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:0.0000pt;"><o:p></o:p></span></p>
								<p class="MsoNormal" style="text-indent:28.0000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:150%;"><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:0.0000pt;"><font face="宋体">（五）被保险人与服务接受人签订的与赔偿请求有关的业务合同；</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;color:rgb(255,0,0);font-size:14.0000pt;mso-font-kerning:0.0000pt;">&nbsp;</span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;color:rgb(255,0,0);font-size:14.0000pt;mso-font-kerning:0.0000pt;"><o:p></o:p></span></p>
								<p class="MsoNormal" style="text-indent:28.0000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:150%;"><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:0.0000pt;"><font face="宋体">（六）</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:0.0000pt;"><font face="宋体">被保险人与</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">服务接受人</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:0.0000pt;"><font face="宋体">或其利害关系人</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:0.0000pt;"><font face="宋体">所签订的赔偿协议书；经判决或仲裁的，应提供判决文书或仲裁裁决文书</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:0.0000pt;"><font face="宋体">；</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:0.0000pt;"><o:p></o:p></span></p>
								<p class="MsoNormal" style="text-indent:28.0000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:150%;"><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">（七）投保人、被保险人所能提供的与确认保险事故的性质、原因、损失程度等有关的其他证明和资料。</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></p>
								<p class="MsoNormal" style="text-indent:28.1000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:150%;"><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">被保险人未履行前款约定的索赔材料提供义务，导致保险人无法核实损失情况的，保险人对无法核实部分不承担赔偿责任。</font></span></b><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></b></p>
								<p class="MsoNormal" align="center" style="text-indent:28.1000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;text-align:center;line-height:150%;"><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:0.0000pt;"><font face="宋体">赔偿处理</font></span></b><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:0.0000pt;"><o:p></o:p></span></b></p>
								<p class="MsoNormal" style="text-indent:28.1000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:150%;"><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">第二十五条</font></span></b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;">&nbsp;&nbsp;<font face="宋体">保险人的赔偿以下列方式之一确定的被保险人的赔偿责任为基础：</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></p>
								<p class="MsoNormal" style="text-indent:28.0000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:150%;"><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">（一）仲裁机构裁决；</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></p>
								<p class="MsoNormal" style="text-indent:28.0000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:150%;"><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">（二）人民法院判决；</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></p>
								<p class="MsoNormal" style="text-indent:28.0000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:150%;"><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">（三）保险人认可的其它方式。</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></p>
								<p class="MsoNormal" style="text-indent:28.1000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:150%;"><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">第二十六条</font></span></b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;">&nbsp;</span><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;">&nbsp;<font face="宋体">被保险人给第三者造成损害，被保险人未向该第三者赔偿的，保险人不负责向被保险人赔偿保险金。</font></span></b><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></b></p>
								<p class="MsoNormal" style="text-indent:28.1000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:150%;"><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">第二十七条</font>&nbsp;&nbsp;</span></b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">发生保险责任范围内的损失，保险人按以下方式计算赔偿：</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></p>
								<p class="MsoNormal" style="text-indent:28.0000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:150%;"><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">（一）对于每次事故造成的损失，保险人在每次事故赔偿限额内计算赔偿。</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></p>
								<p class="MsoNormal" style="text-indent:28.0000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:150%;"><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">如果被保险人为个人的,对于每次事故造成的每一服务接受人的损失，保险人同时在每次事故每人赔偿限额内计算赔偿。</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></p>
								<p class="MsoNormal" style="text-indent:28.0000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:150%;"><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">由同一原因引起的一个或一系列针对被保险人的赔偿请求将被视作为一次事故，第一个赔偿请求提出的日期将被视为该系列赔偿请求提出日期。</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></p>
								<p class="MsoNormal" style="text-indent:28.0000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:150%;"><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">（二）在依据本条第（一）项计算的基础上，保险人在扣除每次事故免赔额后进行赔偿；</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></p>
								<p class="MsoNormal" style="text-indent:28.0000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:150%;"><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">（三）在保险期间内，保险人对多次事故承担的赔偿金额之和累计不超过累计赔偿限额。</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></p>
								<p class="MsoNormal" style="text-indent:28.1000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:150%;"><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">第二十八条</font></span></b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;">&nbsp;&nbsp;<font face="宋体">发生保险事故时，如果被保险人的损失在有相同保障的其他保险项下也能够获得赔偿，则本保险人按照本保险合同的赔偿限额与其他保险合同及本保险合同的赔偿限额总和的比例承担赔偿责任。</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></p>
								<p class="MsoNormal" style="text-indent:28.0000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:150%;"><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">其他保险人应承担的赔偿金额，本保险人不负责垫付。若被保险人未如实告知导致保险人多支付赔偿金的，保险人有权向被保险人追回多支付的部分。</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></p>
								<p class="MsoNormal" style="text-indent:28.1000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:150%;"><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">第二十九条</font>&nbsp;&nbsp;</span></b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">发生保险责任范围内的损失，应由有关责任方负责赔偿的，保险人自向被保险人赔偿保险金之日起，在赔偿金额范围内代位行使被保险人对有关责任方请求赔偿的权利，被保险人应当向保险人提供必要的文件和所知道的有关情况。</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></p>
								<p class="MsoNormal" style="text-indent:28.0000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:150%;"><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">被保险人已经从有关责任方取得赔偿的，保险人赔偿保险金时，可以相应扣减被保险人已从有关责任方取得的赔偿金额。</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></p>
								<p class="MsoNormal" style="text-indent:28.0000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:150%;"><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">保险事故发生后，在保险人未赔偿保险金之前，被保险人放弃对有关责任方请求赔偿权利的，保险人不承担赔偿责任；保险人向被保险人赔偿保险金后，被保险人未经保险人同意放弃对有关责任方请求赔偿权利的，该行为无效；由于被保险人故意或者因重大过失致使保险人不能行使代位请求赔偿的权利的，保险人可以扣减或者要求返还相应的保险金。</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></p>
								<p class="MsoNormal" style="text-indent:28.1000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:150%;"><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:0.0000pt;"><font face="宋体">第三十条</font></span></b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:0.0000pt;">&nbsp;&nbsp;<font face="宋体">保险人受理报案、进行现场查勘、核损定价、参与案件诉讼、向被保险人提供建议等行为，均不构成保险人对赔偿责任的承诺。</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:0.0000pt;"><o:p></o:p></span></p>
								<p class="MsoNormal" style="text-indent:28.1000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:150%;"><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">第三十一条</font></span></b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;">&nbsp;&nbsp;</span><span class="15" style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;"><font face="宋体">被保险人向保险人请求赔偿保险金的诉讼时效期间为二年，自其知道或者应当知道保险事故发生之日起计算。</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></p>
								<p class="MsoNormal" align="center" style="text-indent:28.1000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;text-align:center;line-height:150%;"><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:0.0000pt;"><font face="宋体">争议处理和法律适用</font></span></b><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:0.0000pt;"><o:p></o:p></span></b></p>
								<p class="MsoNormal" style="text-indent:28.1000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:150%;"><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">第三十二条</font></span></b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;">&nbsp;&nbsp;<font face="宋体">因履行本保险合同发生的争议，由当事人协商解决。协商不成的，提交保险单载明的仲裁机构仲裁；保险单未载明仲裁机构且争议发生后未达成仲裁协议的，依法向中华人民共和国人民法院起诉。</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></p>
								<p class="MsoNormal" style="text-indent:28.1000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:150%;"><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">第三十三条</font>&nbsp;</span></b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;">&nbsp;<font face="宋体">本保险合同的争议处理适用中华人民共和国法律（不包括港澳台地区法律）。</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></p>
								<p class="MsoNormal" align="center" style="text-indent:28.1000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;text-align:center;line-height:150%;"><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:0.0000pt;"><font face="宋体">其他事项</font></span></b><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:0.0000pt;"><o:p></o:p></span></b></p>
								<p class="MsoNormal" style="text-indent:28.1000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:150%;"><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">第三十四条</font></span></b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;">&nbsp;&nbsp;<font face="宋体">投保人和保险人可以协商变更合同内容。</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></p>
								<p class="MsoNormal" style="text-indent:28.0000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:150%;"><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">变更保险合同的，应当由保险人在保险单或者其他保险凭证上批注或附贴批单，或者投保人和保险人订立变更的书面协议。</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></p>
								<p class="MsoNormal" style="text-indent:28.1000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:150%;"><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">第三十五条</font></span></b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;">&nbsp;&nbsp;<font face="宋体">投保人可随时书面申请解除本保险合同，本保险合同自保险人收到投保人的书面申请之日的二十四时起终止。保险责任开始前，投保人要求解除合同的，保险人扣除3%手续费后，剩余部分的保险费退还投保人；保险责任开始后，投保人要求解除合同的，对保险责任开始之日起至合同解除之日止期间的保险费，按短期费率计收，剩余部分退还投保人。</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></p>
								<p class="MsoNormal" style="text-indent:28.0000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:150%;"><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">保险人亦可解除本保险合同。保险责任开始前，保险人要求解除合同的，不得向投保人收取手续费并应退还已收取的保险费；保险责任开始后，保险人可提前十五天通知投保人解除合同，对保险责任开始之日起至合同解除之日止期间的保险费，按日比例计收，剩余部分退还投保人。</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></p>
								<p class="MsoNormal" style="text-indent:28.1000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:150%;"><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">第三十六条</font></span></b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;">&nbsp;&nbsp;</span><span class="15" style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;"><font face="宋体">发生保险事故且保险人已承担赔偿责任的，自保险人赔偿之日起三十日内，投保人可以解除合同；除合同另有约定外，保险人也可以解除合同，但应当提前十五日通知投保人。</font></span><span class="15" style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;"><o:p></o:p></span></p>
								<p class="MsoNormal" style="text-indent:28.0000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:150%;"><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">保险合同依据前款规定</font></span><span class="15" style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;"><font face="宋体">解除的，保险人应当将累计赔偿限额扣除累计已赔偿金额后剩余部分的保险费，按照合同约定扣除自保险责任开始之日起至合同解除之日止应收的部分后，退还投保人。</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></p>
								<p class="MsoNormal" align="center" style="text-indent:28.1000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;text-align:center;line-height:150%;"><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:0.0000pt;"><font face="宋体">释义</font></span></b><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:0.0000pt;"><o:p></o:p></span></b></p>
								<p class="MsoNormal" style="text-indent:28.1000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:150%;"><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;color:rgb(0,0,0);font-weight:bold;font-size:14.0000pt;mso-font-kerning:0.0000pt;"><font face="宋体">专业服务</font></span></b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;color:rgb(0,0,0);font-size:14.0000pt;mso-font-kerning:0.0000pt;">&nbsp;<font face="宋体">是指要求特殊的教育、知识、判断、技能的业务。被保险人向服务接受人提供或交付的研究、分析、鉴定、结论、报告、报表或其他专业文件等都属于专业服务的一部分。</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;color:rgb(255,0,0);font-size:14.0000pt;mso-font-kerning:0.0000pt;"><o:p></o:p></span></p>
								<p class="MsoNormal" style="text-indent:28.1000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:150%;"><b><span class="15" style="mso-spacerun:'yes';font-family:宋体;line-height:150%;color:rgb(0,0,0);font-weight:bold;font-size:14.0000pt;"><font face="宋体">职员</font></span></b><span class="15" style="mso-spacerun:'yes';font-family:宋体;line-height:150%;color:rgb(0,0,0);font-size:14.0000pt;">&nbsp;<font face="宋体">是指与被保险人签订有劳动合同或存在事实劳动合同关系，接受被保险人给付薪金、工资，年满十六周岁的人员及其他按国家规定审批的未满十六周岁的特殊人员,&nbsp;包括正式在册职工、短期工、临时工、季节工和徒工等。</font></span><b><span class="15" style="mso-spacerun:'yes';font-family:宋体;line-height:150%;color:rgb(0,0,0);font-weight:bold;font-size:14.0000pt;"><font face="宋体">但因委托代理、行纪、居间等其他合同为被保险人提供服务或工作的人员不属于本保险合同所称职员。</font></span></b><b><span class="15" style="mso-spacerun:'yes';font-family:宋体;line-height:150%;color:rgb(0,0,0);font-weight:bold;font-size:14.0000pt;"><o:p></o:p></span></b></p>
								<p class="MsoNormal" style="text-indent:28.1000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:150%;"><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:0.0000pt;"><font face="宋体">服务接受人</font></span></b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:0.0000pt;">&nbsp;<font face="宋体">指接受或委托被保险人提供专业服务的单位或个人。</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:0.0000pt;"><o:p></o:p></span></p>
								<p class="MsoNormal" style="text-indent:28.1000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:150%;"><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:0.0000pt;"><font face="宋体">追溯期</font>&nbsp;</span></b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:0.0000pt;"><font face="宋体">指从保险单载明的追溯日起至保险期间起始日止的期间。</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:0.0000pt;"><o:p></o:p></span></p>
								<p class="MsoNormal" style="text-indent:28.1000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:150%;"><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:0.0000pt;"><font face="宋体">间接损失</font></span></b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:0.0000pt;">&nbsp;<font face="宋体">指由保险事故导致的财产本身的损失而间接引起的额外费用损失、收入损失和责任损失等。</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:0.0000pt;"><o:p></o:p></span></p>
								<p class="MsoNormal" style="text-indent:28.1000pt;mso-char-indent-count:2.0000;mso-layout-grid-align:none;layout-grid-mode:char;line-height:150%;"><b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-weight:bold;font-size:14.0000pt;mso-font-kerning:0.0000pt;"><font face="宋体">故意</font></span></b><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:0.0000pt;">&nbsp;<font face="宋体">明知自己的行为会导致保险事故的发生，而希望和放任这种结果出现的一种心理状态。</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;font-size:14.0000pt;mso-font-kerning:0.0000pt;"><o:p></o:p></span></p>
								<p class="MsoNormal"><span style="mso-spacerun:'yes';font-family:Calibri;mso-fareast-font-family:宋体;mso-bidi-font-family:'Times New Roman';font-size:10.5000pt;mso-font-kerning:1.0000pt;"><o:p>&nbsp;</o:p></span></p>
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